| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5308% | 2,826 |
| Cost of funding earning assets | 0.2955% | 3,043 |
| Net interest margin | 3.2353% | 2,585 |
| Noninterest income to average assets | 0.6164% | 2,141 |
| Noninterest expense to average assets | 3.1545% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4289% | 4,315 |
| Return on assets (ROA) | 0.5019% | 4,212 |
| Pretax return on assets | 0.5137% | 4,317 |
| Return on Equity (ROE) | 4.5715% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.5715% | 3,344 |
| Net charge-offs to loans | 0.0534% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.9063% | 1,382 |
| Efficiency ratio | 86.1714% | 503 |
| Assets per employee ($millions) | 6.1135% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0759% | 3,540 |
| Loan loss allowance to noncurrent loans | 204.8077% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 2,062 |
| Noncurrent loans to loans | 0.5253% | 2,282 |
| Net loans and leases to total assets | 56.9483% | 2,918 |
| Net loans and leases to deposits | 65.9127% | 2,925 |
| Net loans and leases to core deposits | 75.7162% | 2,376 |
| Total domestic deposits to total assets | 86.3995% | 2,573 |
| Equity capital to assets | 10.7252% | 2,059 |
| Core capital (leverage) ratio | 9.8629% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8427% | 1,349 |
| Memoranda: |
| Average total assets | $810,527,500 | 1,127 |
| Average earning assets | $745,885,500 | 1,148 |
| Average equity | $88,986,500 | 1,103 |
| Average total loans | $479,493,500 | 1,223 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3096% | 1,843 |
| Cost of funding earning assets | 0.5158% | 2,844 |
| Net interest margin | 3.7938% | 1,517 |
| Noninterest income to average assets | 0.6771% | 1,932 |
| Noninterest expense to average assets | 3.0836% | 1,266 |
| Loan and lease loss provision to assets | 0.1743% | 2,208 |
| Net operating income to assets | 0.8351% | 2,959 |
| Return on assets (ROA) | 0.8398% | 3,073 |
| Pretax return on assets | 0.8696% | 3,450 |
| Return on Equity (ROE) | 7.2762% | 3,086 |
| Retained earnings to average equity (ytd only) | 3.1569% | 3,257 |
| Net charge-offs to loans | 0.0975% | 1,493 |
| Credit loss provision to net charge-offs | 275.6356% | 1,822 |
| Earnings coverage of net charge-offs (x) | 16.4301% | 2,131 |
| Efficiency ratio | 73.2701% | 1,532 |
| Assets per employee ($millions) | 5.2698% | 3,080 |
| Cash dividends to net income (ytd only)* | 56.6140% | 1,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0699% | 3,599 |
| Loan loss allowance to noncurrent loans | 126.5152% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 1,573 |
| Noncurrent loans to loans | 0.8457% | 1,666 |
| Net loans and leases to total assets | 60.1573% | 2,843 |
| Net loans and leases to deposits | 70.2365% | 2,859 |
| Net loans and leases to core deposits | 73.7639% | 2,933 |
| Total domestic deposits to total assets | 85.6496% | 2,513 |
| Equity capital to assets | 11.2419% | 2,063 |
| Core capital (leverage) ratio | 9.7837% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9852% | 1,533 |
| Memoranda: |
| Average total assets | $746,281,400 | 1,113 |
| Average earning assets | $677,795,000 | 1,137 |
| Average equity | $86,129,600 | 1,084 |
| Average total loans | $484,086,800 | 1,173 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4546% | 1,689 |
| Cost of funding earning assets | 0.5673% | 2,825 |
| Net interest margin | 3.8874% | 1,377 |
| Noninterest income to average assets | 0.6587% | 1,951 |
| Noninterest expense to average assets | 3.0420% | 1,350 |
| Loan and lease loss provision to assets | 0.2364% | 1,721 |
| Net operating income to assets | 0.8026% | 3,078 |
| Return on assets (ROA) | 0.8084% | 3,180 |
| Pretax return on assets | 0.9089% | 3,357 |
| Return on Equity (ROE) | 6.9558% | 3,217 |
| Retained earnings to average equity (ytd only) | 1.4099% | 4,110 |
| Net charge-offs to loans | 0.0994% | 1,316 |
| Credit loss provision to net charge-offs | 360.3878% | 1,575 |
| Earnings coverage of net charge-offs (x) | 17.3629% | 2,019 |
| Efficiency ratio | 71.2337% | 1,725 |
| Assets per employee ($millions) | 5.0994% | 3,113 |
| Cash dividends to net income (ytd only)* | 79.7303% | 593 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0696% | 3,363 |
| Loan loss allowance to noncurrent loans | 152.1727% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 1,437 |
| Noncurrent loans to loans | 0.7029% | 2,033 |
| Net loans and leases to total assets | 62.2805% | 2,972 |
| Net loans and leases to deposits | 72.7601% | 3,064 |
| Net loans and leases to core deposits | 76.3594% | 3,142 |
| Total domestic deposits to total assets | 85.5970% | 2,222 |
| Equity capital to assets | 11.1192% | 2,308 |
| Core capital (leverage) ratio | 9.7046% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3497% | 1,708 |
| Memoranda: |
| Average total assets | $733,918,250 | 1,112 |
| Average earning assets | $664,940,000 | 1,139 |
| Average equity | $85,298,000 | 1,086 |
| Average total loans | $484,141,250 | 1,164 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5633% | 1,745 |
| Cost of funding earning assets | 0.6109% | 2,911 |
| Net interest margin | 3.9523% | 1,440 |
| Noninterest income to average assets | 0.6780% | 1,818 |
| Noninterest expense to average assets | 3.0645% | 1,431 |
| Loan and lease loss provision to assets | 0.2679% | 1,597 |
| Net operating income to assets | 0.8070% | 3,025 |
| Return on assets (ROA) | 0.8156% | 3,104 |
| Pretax return on assets | 0.9278% | 3,237 |
| Return on Equity (ROE) | 6.9082% | 3,165 |
| Retained earnings to average equity (ytd only) | -1.4771% | 4,535 |
| Net charge-offs to loans | 0.1639% | 914 |
| Credit loss provision to net charge-offs | 243.6548% | 1,765 |
| Earnings coverage of net charge-offs (x) | 10.7868% | 2,129 |
| Efficiency ratio | 70.5639% | 1,873 |
| Assets per employee ($millions) | 4.9248% | 3,269 |
| Cash dividends to net income (ytd only)* | 121.3821% | 311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0103% | 3,524 |
| Loan loss allowance to noncurrent loans | 129.9313% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 1,462 |
| Noncurrent loans to loans | 0.7776% | 1,944 |
| Net loans and leases to total assets | 62.2715% | 3,098 |
| Net loans and leases to deposits | 72.7015% | 3,191 |
| Net loans and leases to core deposits | 76.4762% | 3,247 |
| Total domestic deposits to total assets | 85.6536% | 2,140 |
| Equity capital to assets | 11.0885% | 2,260 |
| Core capital (leverage) ratio | 9.9365% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5975% | 1,601 |
| Memoranda: |
| Average total assets | $716,786,000 | 1,120 |
| Average earning assets | $647,869,667 | 1,142 |
| Average equity | $84,623,667 | 1,091 |
| Average total loans | $480,726,333 | 1,152 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7620% | 1,525 |
| Cost of funding earning assets | 0.6748% | 3,034 |
| Net interest margin | 4.0871% | 1,159 |
| Noninterest income to average assets | 0.9475% | 962 |
| Noninterest expense to average assets | 3.1810% | 1,463 |
| Loan and lease loss provision to assets | 0.1481% | 1,915 |
| Net operating income to assets | 1.1415% | 1,717 |
| Return on assets (ROA) | 1.1415% | 1,822 |
| Pretax return on assets | 1.2948% | 1,884 |
| Return on Equity (ROE) | 9.3496% | 1,981 |
| Retained earnings to average equity (ytd only) | -5.6859% | 4,565 |
| Net charge-offs to loans | 0.0996% | 1,084 |
| Credit loss provision to net charge-offs | 214.2857% | 1,377 |
| Earnings coverage of net charge-offs (x) | 20.8739% | 1,400 |
| Efficiency ratio | 68.7940% | 2,539 |
| Assets per employee ($millions) | 4.2086% | 3,648 |
| Cash dividends to net income (ytd only)* | 160.8142% | 415 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9337% | 3,990 |
| Loan loss allowance to noncurrent loans | 106.7111% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.0152% | 1,297 |
| Noncurrent loans to loans | 0.8750% | 1,862 |
| Net loans and leases to total assets | 67.6906% | 2,586 |
| Net loans and leases to deposits | 79.8319% | 2,697 |
| Net loans and leases to core deposits | 84.2926% | 2,826 |
| Total domestic deposits to total assets | 84.7914% | 2,491 |
| Equity capital to assets | 11.7883% | 2,221 |
| Core capital (leverage) ratio | 10.8264% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4144% | 1,780 |
| Memoranda: |
| Average total assets | $688,580,500 | 1,131 |
| Average earning assets | $619,408,000 | 1,151 |
| Average equity | $84,067,500 | 1,095 |
| Average total loans | $477,892,000 | 1,133 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1456% | 1,118 |
| Cost of funding earning assets | 0.7369% | 2,990 |
| Net interest margin | 4.4087% | 878 |
| Noninterest income to average assets | 1.0430% | 876 |
| Noninterest expense to average assets | 3.2618% | 1,380 |
| Loan and lease loss provision to assets | 0.4376% | 316 |
| Net operating income to assets | 1.1468% | 2,266 |
| Return on assets (ROA) | 1.1468% | 2,364 |
| Pretax return on assets | 1.3104% | 2,475 |
| Return on Equity (ROE) | 9.3116% | 2,604 |
| Retained earnings to average equity (ytd only) | 4.3517% | 2,788 |
| Net charge-offs to loans | 0.5365% | 344 |
| Credit loss provision to net charge-offs | 115.9271% | 2,177 |
| Earnings coverage of net charge-offs (x) | 4.6311% | 3,192 |
| Efficiency ratio | 65.1085% | 2,914 |
| Assets per employee ($millions) | 4.1625% | 3,679 |
| Cash dividends to net income (ytd only)* | 53.2664% | 1,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9143% | 3,901 |
| Loan loss allowance to noncurrent loans | 66.1998% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 815 |
| Noncurrent loans to loans | 1.3811% | 1,071 |
| Net loans and leases to total assets | 69.8770% | 2,417 |
| Net loans and leases to deposits | 80.7118% | 2,695 |
| Net loans and leases to core deposits | 85.6520% | 2,811 |
| Total domestic deposits to total assets | 86.5760% | 1,816 |
| Equity capital to assets | 12.6471% | 1,736 |
| Core capital (leverage) ratio | 10.9658% | 2,527 |
| Tier 1 risk-based capital ratio | 15.2098% | 2,695 |
| Total risk-based capital ratio | 16.1094% | 2,769 |
| Memoranda: |
| Average total assets | $668,719,200 | 1,121 |
| Average earning assets | $601,677,000 | 1,145 |
| Average equity | $82,359,400 | 1,059 |
| Average total loans | $470,413,200 | 1,131 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1422% | 1,171 |
| Cost of funding earning assets | 0.7314% | 3,061 |
| Net interest margin | 4.4108% | 923 |
| Noninterest income to average assets | 0.7782% | 1,492 |
| Noninterest expense to average assets | 3.2074% | 1,455 |
| Loan and lease loss provision to assets | 0.1391% | 1,390 |
| Net operating income to assets | 1.2214% | 2,122 |
| Return on assets (ROA) | 1.2214% | 2,194 |
| Pretax return on assets | 1.4044% | 2,295 |
| Return on Equity (ROE) | 9.9848% | 2,439 |
| Retained earnings to average equity (ytd only) | 3.9479% | 3,425 |
| Net charge-offs to loans | 0.0736% | 1,767 |
| Credit loss provision to net charge-offs | 268.7259% | 1,031 |
| Earnings coverage of net charge-offs (x) | 29.8267% | 1,629 |
| Efficiency ratio | 67.5120% | 2,498 |
| Assets per employee ($millions) | 4.1213% | 3,729 |
| Cash dividends to net income (ytd only)* | 60.4614% | 1,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9210% | 3,961 |
| Loan loss allowance to noncurrent loans | 44.9861% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5016% | 734 |
| Noncurrent loans to loans | 2.0473% | 654 |
| Net loans and leases to total assets | 68.5092% | 2,705 |
| Net loans and leases to deposits | 80.5290% | 2,846 |
| Net loans and leases to core deposits | 85.4428% | 2,956 |
| Total domestic deposits to total assets | 85.0739% | 2,398 |
| Equity capital to assets | 12.2390% | 2,085 |
| Core capital (leverage) ratio | 10.7881% | 2,848 |
| Tier 1 risk-based capital ratio | 13.9157% | 3,369 |
| Total risk-based capital ratio | 14.7683% | 3,469 |
| Memoranda: |
| Average total assets | $667,316,750 | 1,117 |
| Average earning assets | $601,019,750 | 1,141 |
| Average equity | $81,628,500 | 1,067 |
| Average total loans | $469,129,250 | 1,136 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2203% | 943 |
| Cost of funding earning assets | 0.7205% | 3,044 |
| Net interest margin | 4.4998% | 770 |
| Noninterest income to average assets | 0.7702% | 1,439 |
| Noninterest expense to average assets | 3.2217% | 1,458 |
| Loan and lease loss provision to assets | 0.1802% | 991 |
| Net operating income to assets | 1.2345% | 2,028 |
| Return on assets (ROA) | 1.2345% | 2,080 |
| Pretax return on assets | 1.4144% | 2,156 |
| Return on Equity (ROE) | 10.0941% | 2,349 |
| Retained earnings to average equity (ytd only) | 1.9044% | 4,143 |
| Net charge-offs to loans | 0.0677% | 1,692 |
| Credit loss provision to net charge-offs | 376.5823% | 755 |
| Earnings coverage of net charge-offs (x) | 33.3228% | 1,382 |
| Efficiency ratio | 66.8910% | 2,700 |
| Assets per employee ($millions) | 4.1311% | 3,683 |
| Cash dividends to net income (ytd only)* | 81.1335% | 802 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9390% | 3,919 |
| Loan loss allowance to noncurrent loans | 68.2073% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 1,269 |
| Noncurrent loans to loans | 1.3767% | 1,129 |
| Net loans and leases to total assets | 69.0925% | 2,663 |
| Net loans and leases to deposits | 79.3222% | 3,020 |
| Net loans and leases to core deposits | 84.2457% | 3,085 |
| Total domestic deposits to total assets | 87.1036% | 1,549 |
| Equity capital to assets | 12.3232% | 1,963 |
| Core capital (leverage) ratio | 10.8135% | 2,776 |
| Tier 1 risk-based capital ratio | 14.6032% | 3,015 |
| Total risk-based capital ratio | 15.5116% | 3,099 |
| Memoranda: |
| Average total assets | $660,338,670 | 1,129 |
| Average earning assets | $593,762,000 | 1,151 |
| Average equity | $80,759,670 | 1,069 |
| Average total loans | $466,873,000 | 1,139 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1407% | 1,024 |
| Cost of funding earning assets | 0.6954% | 3,082 |
| Net interest margin | 4.4453% | 819 |
| Noninterest income to average assets | 0.7349% | 1,480 |
| Noninterest expense to average assets | 3.3054% | 1,275 |
| Loan and lease loss provision to assets | 0.2598% | 552 |
| Net operating income to assets | 1.0551% | 2,642 |
| Return on assets (ROA) | 1.0551% | 2,686 |
| Pretax return on assets | 1.1770% | 2,888 |
| Return on Equity (ROE) | 8.6604% | 2,966 |
| Retained earnings to average equity (ytd only) | -5.9521% | 4,974 |
| Net charge-offs to loans | 0.0154% | 2,172 |
| Credit loss provision to net charge-offs | 2,366.6667% | 187 |
| Earnings coverage of net charge-offs (x) | 130.8889% | 560 |
| Efficiency ratio | 69.7016% | 2,393 |
| Assets per employee ($millions) | 4.1056% | 3,762 |
| Cash dividends to net income (ytd only)* | 168.7283% | 269 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9490% | 3,968 |
| Loan loss allowance to noncurrent loans | 71.4005% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 1,316 |
| Noncurrent loans to loans | 1.3292% | 1,228 |
| Net loans and leases to total assets | 68.3233% | 2,712 |
| Net loans and leases to deposits | 77.9988% | 3,058 |
| Net loans and leases to core deposits | 82.8429% | 3,118 |
| Total domestic deposits to total assets | 87.5954% | 1,520 |
| Equity capital to assets | 11.9576% | 2,042 |
| Core capital (leverage) ratio | 11.3012% | 2,285 |
| Tier 1 risk-based capital ratio | 14.7748% | 2,975 |
| Total risk-based capital ratio | 15.7129% | 3,042 |
| Memoranda: |
| Average total assets | $655,892,000 | 1,146 |
| Average earning assets | $591,280,500 | 1,167 |
| Average equity | $79,904,000 | 1,072 |
| Average total loans | $466,923,500 | 1,144 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0298% | 985 |
| Cost of funding earning assets | 0.5486% | 3,056 |
| Net interest margin | 4.4812% | 790 |
| Noninterest income to average assets | 0.7842% | 1,505 |
| Noninterest expense to average assets | 3.2741% | 1,387 |
| Loan and lease loss provision to assets | 0.1929% | 985 |
| Net operating income to assets | 1.2098% | 2,120 |
| Return on assets (ROA) | 1.2098% | 2,116 |
| Pretax return on assets | 1.4223% | 2,066 |
| Return on Equity (ROE) | 10.9163% | 2,118 |
| Retained earnings to average equity (ytd only) | 8.3327% | 1,105 |
| Net charge-offs to loans | 0.0641% | 2,204 |
| Credit loss provision to net charge-offs | 422.1344% | 793 |
| Earnings coverage of net charge-offs (x) | 35.3399% | 1,441 |
| Efficiency ratio | 66.9647% | 2,717 |
| Assets per employee ($millions) | 3.6535% | 4,386 |
| Cash dividends to net income (ytd only)* | 23.6673% | 3,335 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8306% | 4,432 |
| Loan loss allowance to noncurrent loans | 72.9390% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 1,396 |
| Noncurrent loans to loans | 1.1388% | 1,406 |
| Net loans and leases to total assets | 72.8531% | 2,122 |
| Net loans and leases to deposits | 85.4462% | 2,358 |
| Net loans and leases to core deposits | 90.3219% | 2,549 |
| Total domestic deposits to total assets | 85.2619% | 2,527 |
| Equity capital to assets | 12.4138% | 1,627 |
| Core capital (leverage) ratio | 10.9334% | 2,593 |
| Tier 1 risk-based capital ratio | 13.4367% | 3,585 |
| Total risk-based capital ratio | 14.1975% | 3,761 |
| Memoranda: |
| Average total assets | $553,556,400 | 1,281 |
| Average earning assets | $507,099,000 | 1,295 |
| Average equity | $61,348,400 | 1,293 |
| Average total loans | $394,472,200 | 1,273 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9073% | 1,140 |
| Cost of funding earning assets | 0.5253% | 3,025 |
| Net interest margin | 4.3820% | 936 |
| Noninterest income to average assets | 0.7659% | 1,602 |
| Noninterest expense to average assets | 3.1160% | 1,722 |
| Loan and lease loss provision to assets | 0.2014% | 865 |
| Net operating income to assets | 1.2662% | 1,976 |
| Return on assets (ROA) | 1.2662% | 1,983 |
| Pretax return on assets | 1.4814% | 1,963 |
| Return on Equity (ROE) | 11.8596% | 1,845 |
| Retained earnings to average equity (ytd only) | 10.3053% | 823 |
| Net charge-offs to loans | 0.0463% | 2,170 |
| Credit loss provision to net charge-offs | 616.1538% | 582 |
| Earnings coverage of net charge-offs (x) | 51.4843% | 1,155 |
| Efficiency ratio | 64.9324% | 3,043 |
| Assets per employee ($millions) | 3.9411% | 3,984 |
| Cash dividends to net income (ytd only)* | 13.1057% | 3,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0089% | 3,703 |
| Loan loss allowance to noncurrent loans | 65.9955% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 1,218 |
| Noncurrent loans to loans | 1.5288% | 1,054 |
| Net loans and leases to total assets | 70.1121% | 2,628 |
| Net loans and leases to deposits | 79.1201% | 3,130 |
| Net loans and leases to core deposits | 83.7304% | 3,174 |
| Total domestic deposits to total assets | 88.6148% | 998 |
| Equity capital to assets | 10.9078% | 2,744 |
| Core capital (leverage) ratio | 10.3527% | 3,235 |
| Tier 1 risk-based capital ratio | 13.7522% | 3,487 |
| Total risk-based capital ratio | 14.7198% | 3,557 |
| Memoranda: |
| Average total assets | $530,278,000 | 1,335 |
| Average earning assets | $488,047,000 | 1,346 |
| Average equity | $56,616,500 | 1,391 |
| Average total loans | $374,324,000 | 1,328 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7668% | 1,336 |
| Cost of funding earning assets | 0.5353% | 2,731 |
| Net interest margin | 4.2315% | 1,209 |
| Noninterest income to average assets | 0.7880% | 1,507 |
| Noninterest expense to average assets | 3.0969% | 1,794 |
| Loan and lease loss provision to assets | 0.2016% | 850 |
| Net operating income to assets | 1.1916% | 2,235 |
| Return on assets (ROA) | 1.1916% | 2,234 |
| Pretax return on assets | 1.3786% | 2,225 |
| Return on Equity (ROE) | 11.2426% | 2,020 |
| Retained earnings to average equity (ytd only) | 9.6930% | 1,010 |
| Net charge-offs to loans | 0.0316% | 2,223 |
| Credit loss provision to net charge-offs | 905.0847% | 445 |
| Earnings coverage of net charge-offs (x) | 70.9322% | 900 |
| Efficiency ratio | 66.2146% | 2,933 |
| Assets per employee ($millions) | 4.0089% | 3,880 |
| Cash dividends to net income (ytd only)* | 13.7833% | 3,192 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9616% | 4,057 |
| Loan loss allowance to noncurrent loans | 61.9268% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 1,152 |
| Noncurrent loans to loans | 1.5528% | 1,061 |
| Net loans and leases to total assets | 68.1202% | 2,848 |
| Net loans and leases to deposits | 76.3371% | 3,297 |
| Net loans and leases to core deposits | 80.8680% | 3,335 |
| Total domestic deposits to total assets | 89.2359% | 839 |
| Equity capital to assets | 10.4577% | 3,167 |
| Core capital (leverage) ratio | 9.6845% | 3,904 |
| Tier 1 risk-based capital ratio | 13.4646% | 3,637 |
| Total risk-based capital ratio | 14.4288% | 3,721 |
| Memoranda: |
| Average total assets | $529,686,670 | 1,338 |
| Average earning assets | $486,825,330 | 1,347 |
| Average equity | $56,143,670 | 1,395 |
| Average total loans | $373,487,000 | 1,326 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7252% | 1,249 |
| Cost of funding earning assets | 0.5149% | 2,683 |
| Net interest margin | 4.2103% | 1,154 |
| Noninterest income to average assets | 0.7963% | 1,467 |
| Noninterest expense to average assets | 3.1162% | 1,781 |
| Loan and lease loss provision to assets | 0.2046% | 806 |
| Net operating income to assets | 1.1274% | 2,298 |
| Return on assets (ROA) | 1.1274% | 2,317 |
| Pretax return on assets | 1.3297% | 2,251 |
| Return on Equity (ROE) | 10.5624% | 2,147 |
| Retained earnings to average equity (ytd only) | 10.5624% | 1,001 |
| Net charge-offs to loans | 0.0236% | 2,031 |
| Credit loss provision to net charge-offs | 1,213.6364% | 293 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 650 |
| Efficiency ratio | 67.0073% | 3,006 |
| Assets per employee ($millions) | 3.8409% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9067% | 4,421 |
| Loan loss allowance to noncurrent loans | 57.0367% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 1,090 |
| Noncurrent loans to loans | 1.5896% | 1,093 |
| Net loans and leases to total assets | 70.1216% | 2,466 |
| Net loans and leases to deposits | 78.7442% | 2,943 |
| Net loans and leases to core deposits | 83.2580% | 3,033 |
| Total domestic deposits to total assets | 89.0499% | 1,070 |
| Equity capital to assets | 10.6006% | 2,969 |
| Core capital (leverage) ratio | 10.1312% | 3,381 |
| Tier 1 risk-based capital ratio | 13.2738% | 3,792 |
| Total risk-based capital ratio | 14.1361% | 3,906 |
| Memoranda: |
| Average total assets | $521,923,500 | 1,368 |
| Average earning assets | $477,782,500 | 1,390 |
| Average equity | $55,707,000 | 1,411 |
| Average total loans | $372,727,500 | 1,331 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2239% | 426 |
| Cost of funding earning assets | 0.5007% | 2,330 |
| Net interest margin | 4.7232% | 404 |
| Noninterest income to average assets | 0.8141% | 1,514 |
| Noninterest expense to average assets | 3.4643% | 1,096 |
| Loan and lease loss provision to assets | 0.1836% | 1,162 |
| Net operating income to assets | 1.1154% | 1,808 |
| Return on assets (ROA) | 1.1040% | 1,867 |
| Pretax return on assets | 1.5107% | 1,598 |
| Return on Equity (ROE) | 9.1672% | 2,235 |
| Retained earnings to average equity (ytd only) | -24.8047% | 5,631 |
| Net charge-offs to loans | 0.2790% | 935 |
| Credit loss provision to net charge-offs | 91.4286% | 2,757 |
| Earnings coverage of net charge-offs (x) | 8.5143% | 2,904 |
| Efficiency ratio | 66.9535% | 3,084 |
| Assets per employee ($millions) | 4.0441% | 3,891 |
| Cash dividends to net income (ytd only)* | 370.5821% | 36 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8392% | 4,699 |
| Loan loss allowance to noncurrent loans | 57.5657% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 1,136 |
| Noncurrent loans to loans | 1.4578% | 1,173 |
| Net loans and leases to total assets | 71.4711% | 2,299 |
| Net loans and leases to deposits | 81.1010% | 2,806 |
| Net loans and leases to core deposits | 85.9057% | 2,912 |
| Total domestic deposits to total assets | 88.1260% | 1,422 |
| Equity capital to assets | 10.7474% | 2,897 |
| Core capital (leverage) ratio | 9.6535% | 3,862 |
| Tier 1 risk-based capital ratio | 12.8950% | 3,975 |
| Total risk-based capital ratio | 13.6868% | 4,148 |
| Memoranda: |
| Average total assets | $435,698,400 | 1,587 |
| Average earning assets | $402,206,000 | 1,590 |
| Average equity | $52,469,800 | 1,467 |
| Average total loans | $313,601,200 | 1,513 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0302% | 575 |
| Cost of funding earning assets | 0.4960% | 2,300 |
| Net interest margin | 4.5343% | 559 |
| Noninterest income to average assets | 0.8352% | 1,459 |
| Noninterest expense to average assets | 3.3605% | 1,223 |
| Loan and lease loss provision to assets | 0.1301% | 1,669 |
| Net operating income to assets | 1.2040% | 1,676 |
| Return on assets (ROA) | 1.2013% | 1,719 |
| Pretax return on assets | 1.5452% | 1,597 |
| Return on Equity (ROE) | 9.6517% | 2,278 |
| Retained earnings to average equity (ytd only) | -27.1130% | 5,699 |
| Net charge-offs to loans | 0.3120% | 672 |
| Credit loss provision to net charge-offs | 57.9399% | 2,831 |
| Earnings coverage of net charge-offs (x) | 7.4792% | 2,868 |
| Efficiency ratio | 66.6858% | 3,096 |
| Assets per employee ($millions) | 3.8343% | 4,256 |
| Cash dividends to net income (ytd only)* | 380.9139% | 27 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7804% | 4,950 |
| Loan loss allowance to noncurrent loans | 91.2373% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 1,933 |
| Noncurrent loans to loans | 0.8553% | 2,227 |
| Net loans and leases to total assets | 71.5702% | 2,322 |
| Net loans and leases to deposits | 80.9032% | 2,886 |
| Net loans and leases to core deposits | 85.3823% | 3,018 |
| Total domestic deposits to total assets | 88.4639% | 1,141 |
| Equity capital to assets | 11.1062% | 2,760 |
| Core capital (leverage) ratio | 9.9782% | 3,593 |
| Tier 1 risk-based capital ratio | 12.7309% | 4,187 |
| Total risk-based capital ratio | 13.4532% | 4,389 |
| Memoranda: |
| Average total assets | $415,210,500 | 1,664 |
| Average earning assets | $384,970,500 | 1,657 |
| Average equity | $51,678,750 | 1,496 |
| Average total loans | $298,726,250 | 1,582 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9506% | 614 |
| Cost of funding earning assets | 0.4879% | 2,270 |
| Net interest margin | 4.4627% | 621 |
| Noninterest income to average assets | 0.8068% | 1,548 |
| Noninterest expense to average assets | 3.3838% | 1,206 |
| Loan and lease loss provision to assets | 0.1427% | 1,433 |
| Net operating income to assets | 1.1125% | 1,914 |
| Return on assets (ROA) | 1.1133% | 1,958 |
| Pretax return on assets | 1.4430% | 1,849 |
| Return on Equity (ROE) | 8.5204% | 2,767 |
| Retained earnings to average equity (ytd only) | 7.5094% | 1,346 |
| Net charge-offs to loans | 0.1787% | 1,109 |
| Credit loss provision to net charge-offs | 111.1111% | 1,871 |
| Earnings coverage of net charge-offs (x) | 12.3416% | 2,200 |
| Efficiency ratio | 68.1059% | 2,992 |
| Assets per employee ($millions) | 3.7573% | 4,348 |
| Cash dividends to net income (ytd only)* | 11.8652% | 3,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1633% | 3,228 |
| Loan loss allowance to noncurrent loans | 469.2308% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 3,986 |
| Noncurrent loans to loans | 0.2479% | 4,145 |
| Net loans and leases to total assets | 72.3812% | 2,137 |
| Net loans and leases to deposits | 83.7434% | 2,517 |
| Net loans and leases to core deposits | 88.0481% | 2,695 |
| Total domestic deposits to total assets | 86.4321% | 2,184 |
| Equity capital to assets | 13.3666% | 1,203 |
| Core capital (leverage) ratio | 13.1662% | 1,113 |
| Tier 1 risk-based capital ratio | 16.4289% | 2,349 |
| Total risk-based capital ratio | 17.4891% | 2,355 |
| Memoranda: |
| Average total assets | $378,514,000 | 1,811 |
| Average earning assets | $352,968,670 | 1,805 |
| Average equity | $49,458,000 | 1,547 |
| Average total loans | $271,996,670 | 1,705 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9154% | 606 |
| Cost of funding earning assets | 0.4850% | 2,211 |
| Net interest margin | 4.4304% | 604 |
| Noninterest income to average assets | 0.7830% | 1,615 |
| Noninterest expense to average assets | 3.3204% | 1,345 |
| Loan and lease loss provision to assets | 0.1428% | 1,310 |
| Net operating income to assets | 1.1269% | 1,765 |
| Return on assets (ROA) | 1.1269% | 1,799 |
| Pretax return on assets | 1.4570% | 1,674 |
| Return on Equity (ROE) | 8.7250% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.7250% | 1,175 |
| Net charge-offs to loans | 0.1858% | 918 |
| Credit loss provision to net charge-offs | 108.0000% | 1,493 |
| Earnings coverage of net charge-offs (x) | 12.0960% | 1,858 |
| Efficiency ratio | 67.4839% | 3,278 |
| Assets per employee ($millions) | 3.8296% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1811% | 3,249 |
| Loan loss allowance to noncurrent loans | 354.5755% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 4,208 |
| Noncurrent loans to loans | 0.3331% | 3,913 |
| Net loans and leases to total assets | 70.2586% | 2,330 |
| Net loans and leases to deposits | 80.8272% | 2,636 |
| Net loans and leases to core deposits | 84.8941% | 2,823 |
| Total domestic deposits to total assets | 86.9244% | 2,251 |
| Equity capital to assets | 12.8910% | 1,307 |
| Core capital (leverage) ratio | 13.0733% | 1,117 |
| Tier 1 risk-based capital ratio | 16.6699% | 2,293 |
| Total risk-based capital ratio | 17.7572% | 2,303 |
| Memoranda: |
| Average total assets | $378,029,000 | 1,826 |
| Average earning assets | $353,013,000 | 1,812 |
| Average equity | $48,825,000 | 1,562 |
| Average total loans | $269,041,000 | 1,731 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8243% | 846 |
| Cost of funding earning assets | 0.5089% | 2,024 |
| Net interest margin | 4.3153% | 910 |
| Noninterest income to average assets | 0.8529% | 1,567 |
| Noninterest expense to average assets | 3.2393% | 1,702 |
| Loan and lease loss provision to assets | 0.0363% | 3,638 |
| Net operating income to assets | 1.2595% | 1,331 |
| Return on assets (ROA) | 1.2694% | 1,377 |
| Pretax return on assets | 1.6462% | 1,153 |
| Return on Equity (ROE) | 9.6654% | 2,123 |
| Retained earnings to average equity (ytd only) | 4.7559% | 2,505 |
| Net charge-offs to loans | 0.0577% | 2,894 |
| Credit loss provision to net charge-offs | 93.1034% | 2,743 |
| Earnings coverage of net charge-offs (x) | 42.8207% | 1,126 |
| Efficiency ratio | 65.9893% | 3,586 |
| Assets per employee ($millions) | 3.8071% | 4,295 |
| Cash dividends to net income (ytd only)* | 50.7943% | 2,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2062% | 3,085 |
| Loan loss allowance to noncurrent loans | 496.2848% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 4,625 |
| Noncurrent loans to loans | 0.2430% | 4,278 |
| Net loans and leases to total assets | 70.3831% | 2,414 |
| Net loans and leases to deposits | 81.5953% | 2,715 |
| Net loans and leases to core deposits | 85.8370% | 2,865 |
| Total domestic deposits to total assets | 86.2587% | 2,473 |
| Equity capital to assets | 12.9410% | 1,282 |
| Core capital (leverage) ratio | 12.9144% | 1,166 |
| Tier 1 risk-based capital ratio | 16.7065% | 2,263 |
| Total risk-based capital ratio | 17.8168% | 2,262 |
| Memoranda: |
| Average total assets | $371,895,800 | 1,804 |
| Average earning assets | $349,546,200 | 1,778 |
| Average equity | $48,844,400 | 1,553 |
| Average total loans | $251,278,800 | 1,785 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7992% | 897 |
| Cost of funding earning assets | 0.5130% | 1,991 |
| Net interest margin | 4.2862% | 954 |
| Noninterest income to average assets | 0.8705% | 1,510 |
| Noninterest expense to average assets | 3.2131% | 1,746 |
| Loan and lease loss provision to assets | 0.0484% | 3,283 |
| Net operating income to assets | 1.2561% | 1,431 |
| Return on assets (ROA) | 1.2648% | 1,494 |
| Pretax return on assets | 1.6552% | 1,233 |
| Return on Equity (ROE) | 9.5945% | 2,229 |
| Retained earnings to average equity (ytd only) | 8.2336% | 1,074 |
| Net charge-offs to loans | 0.0808% | 2,167 |
| Credit loss provision to net charge-offs | 90.0000% | 2,525 |
| Earnings coverage of net charge-offs (x) | 31.4392% | 1,439 |
| Efficiency ratio | 65.5036% | 3,677 |
| Assets per employee ($millions) | 4.0286% | 3,919 |
| Cash dividends to net income (ytd only)* | 14.1844% | 3,440 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2768% | 2,808 |
| Loan loss allowance to noncurrent loans | 489.4495% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 4,638 |
| Noncurrent loans to loans | 0.2609% | 4,328 |
| Net loans and leases to total assets | 66.0587% | 3,112 |
| Net loans and leases to deposits | 76.5492% | 3,347 |
| Net loans and leases to core deposits | 80.5244% | 3,395 |
| Total domestic deposits to total assets | 86.2958% | 2,220 |
| Equity capital to assets | 13.5072% | 1,245 |
| Core capital (leverage) ratio | 13.3493% | 1,047 |
| Tier 1 risk-based capital ratio | 17.7870% | 1,980 |
| Total risk-based capital ratio | 18.9504% | 1,967 |
| Memoranda: |
| Average total assets | $371,596,250 | 1,804 |
| Average earning assets | $349,796,250 | 1,780 |
| Average equity | $48,985,000 | 1,556 |
| Average total loans | $247,648,250 | 1,808 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7952% | 898 |
| Cost of funding earning assets | 0.5133% | 2,000 |
| Net interest margin | 4.2819% | 959 |
| Noninterest income to average assets | 0.8851% | 1,417 |
| Noninterest expense to average assets | 3.2199% | 1,763 |
| Loan and lease loss provision to assets | 0.0545% | 3,061 |
| Net operating income to assets | 1.2489% | 1,430 |
| Return on assets (ROA) | 1.2489% | 1,537 |
| Pretax return on assets | 1.6402% | 1,254 |
| Return on Equity (ROE) | 9.5532% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.5532% | 701 |
| Net charge-offs to loans | 0.0349% | 2,753 |
| Credit loss provision to net charge-offs | 234.8837% | 1,159 |
| Earnings coverage of net charge-offs (x) | 73.0233% | 751 |
| Efficiency ratio | 65.5172% | 3,755 |
| Assets per employee ($millions) | 3.8364% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3073% | 2,743 |
| Loan loss allowance to noncurrent loans | 419.7436% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 4,618 |
| Noncurrent loans to loans | 0.3114% | 4,247 |
| Net loans and leases to total assets | 66.4198% | 3,022 |
| Net loans and leases to deposits | 76.9468% | 3,275 |
| Net loans and leases to core deposits | 80.9807% | 3,370 |
| Total domestic deposits to total assets | 86.3191% | 2,254 |
| Equity capital to assets | 13.4944% | 1,241 |
| Core capital (leverage) ratio | 12.9209% | 1,184 |
| Tier 1 risk-based capital ratio | 17.3713% | 2,109 |
| Total risk-based capital ratio | 18.5505% | 2,093 |
| Memoranda: |
| Average total assets | $370,575,330 | 1,809 |
| Average earning assets | $348,721,330 | 1,781 |
| Average equity | $48,444,670 | 1,570 |
| Average total loans | $246,632,330 | 1,815 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7742% | 903 |
| Cost of funding earning assets | 0.5126% | 2,002 |
| Net interest margin | 4.2616% | 977 |
| Noninterest income to average assets | 0.8729% | 1,375 |
| Noninterest expense to average assets | 3.2050% | 1,826 |
| Loan and lease loss provision to assets | 0.0498% | 2,930 |
| Net operating income to assets | 1.2266% | 1,469 |
| Return on assets (ROA) | 1.2266% | 1,577 |
| Pretax return on assets | 1.6290% | 1,228 |
| Return on Equity (ROE) | 9.5377% | 2,185 |
| Retained earnings to average equity (ytd only) | 9.5377% | 969 |
| Net charge-offs to loans | 0.0768% | 1,719 |
| Credit loss provision to net charge-offs | 97.8723% | 1,694 |
| Earnings coverage of net charge-offs (x) | 33.0213% | 1,127 |
| Efficiency ratio | 65.6257% | 3,860 |
| Assets per employee ($millions) | 3.7649% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2932% | 2,940 |
| Loan loss allowance to noncurrent loans | 356.4302% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 4,551 |
| Noncurrent loans to loans | 0.3628% | 4,130 |
| Net loans and leases to total assets | 65.8365% | 2,975 |
| Net loans and leases to deposits | 75.8072% | 3,241 |
| Net loans and leases to core deposits | 79.6838% | 3,347 |
| Total domestic deposits to total assets | 86.8473% | 2,275 |
| Equity capital to assets | 12.9716% | 1,424 |
| Core capital (leverage) ratio | 12.8154% | 1,229 |
| Tier 1 risk-based capital ratio | 16.8704% | 2,336 |
| Total risk-based capital ratio | 18.0232% | 2,315 |
| Memoranda: |
| Average total assets | $369,796,500 | 1,814 |
| Average earning assets | $348,037,500 | 1,786 |
| Average equity | $47,558,500 | 1,586 |
| Average total loans | $244,726,500 | 1,833 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7104% | 1,083 |
| Cost of funding earning assets | 0.5457% | 1,802 |
| Net interest margin | 4.1647% | 1,250 |
| Noninterest income to average assets | 0.9187% | 1,383 |
| Noninterest expense to average assets | 3.1530% | 2,082 |
| Loan and lease loss provision to assets | 0.1010% | 2,300 |
| Net operating income to assets | 1.2100% | 1,516 |
| Return on assets (ROA) | 1.2184% | 1,554 |
| Pretax return on assets | 1.5825% | 1,302 |
| Return on Equity (ROE) | 9.6423% | 2,159 |
| Retained earnings to average equity (ytd only) | 5.0453% | 2,382 |
| Net charge-offs to loans | 0.0967% | 2,452 |
| Credit loss provision to net charge-offs | 166.9683% | 1,615 |
| Earnings coverage of net charge-offs (x) | 27.6471% | 1,543 |
| Efficiency ratio | 65.3392% | 4,017 |
| Assets per employee ($millions) | 3.7436% | 4,384 |
| Cash dividends to net income (ytd only)* | 47.6747% | 2,436 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3353% | 2,731 |
| Loan loss allowance to noncurrent loans | 335.3493% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 4,505 |
| Noncurrent loans to loans | 0.3982% | 4,028 |
| Net loans and leases to total assets | 64.7734% | 3,150 |
| Net loans and leases to deposits | 74.8945% | 3,391 |
| Net loans and leases to core deposits | 78.7314% | 3,473 |
| Total domestic deposits to total assets | 86.4863% | 2,386 |
| Equity capital to assets | 12.7481% | 1,492 |
| Core capital (leverage) ratio | 12.5297% | 1,335 |
| Tier 1 risk-based capital ratio | 16.9265% | 2,307 |
| Total risk-based capital ratio | 18.1120% | 2,287 |
| Memoranda: |
| Average total assets | $365,306,400 | 1,794 |
| Average earning assets | $342,689,200 | 1,769 |
| Average equity | $46,161,400 | 1,598 |
| Average total loans | $228,543,400 | 1,872 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6820% | 1,133 |
| Cost of funding earning assets | 0.5534% | 1,775 |
| Net interest margin | 4.1286% | 1,325 |
| Noninterest income to average assets | 0.9080% | 1,430 |
| Noninterest expense to average assets | 3.0728% | 2,290 |
| Loan and lease loss provision to assets | 0.1114% | 2,023 |
| Net operating income to assets | 1.2700% | 1,425 |
| Return on assets (ROA) | 1.2817% | 1,443 |
| Pretax return on assets | 1.6087% | 1,357 |
| Return on Equity (ROE) | 10.1658% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.1658% | 609 |
| Net charge-offs to loans | 0.1129% | 1,995 |
| Credit loss provision to net charge-offs | 159.6859% | 1,601 |
| Earnings coverage of net charge-offs (x) | 24.4398% | 1,692 |
| Efficiency ratio | 64.3065% | 4,191 |
| Assets per employee ($millions) | 3.7551% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3507% | 2,846 |
| Loan loss allowance to noncurrent loans | 761.2440% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 5,145 |
| Noncurrent loans to loans | 0.1774% | 4,945 |
| Net loans and leases to total assets | 63.8006% | 3,336 |
| Net loans and leases to deposits | 73.5757% | 3,591 |
| Net loans and leases to core deposits | 77.2494% | 3,674 |
| Total domestic deposits to total assets | 86.7142% | 2,182 |
| Equity capital to assets | 13.1246% | 1,384 |
| Core capital (leverage) ratio | 12.8968% | 1,237 |
| Tier 1 risk-based capital ratio | 17.8987% | 2,051 |
| Total risk-based capital ratio | 19.1079% | 2,037 |
| Memoranda: |
| Average total assets | $364,915,250 | 1,807 |
| Average earning assets | $342,095,750 | 1,788 |
| Average equity | $46,009,500 | 1,613 |
| Average total loans | $225,466,500 | 1,899 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6341% | 1,203 |
| Cost of funding earning assets | 0.5575% | 1,760 |
| Net interest margin | 4.0766% | 1,421 |
| Noninterest income to average assets | 0.9032% | 1,433 |
| Noninterest expense to average assets | 3.0805% | 2,302 |
| Loan and lease loss provision to assets | 0.0997% | 2,161 |
| Net operating income to assets | 1.2175% | 1,549 |
| Return on assets (ROA) | 1.2313% | 1,581 |
| Pretax return on assets | 1.5572% | 1,465 |
| Return on Equity (ROE) | 9.9008% | 2,118 |
| Retained earnings to average equity (ytd only) | 9.9008% | 684 |
| Net charge-offs to loans | 0.1135% | 1,870 |
| Credit loss provision to net charge-offs | 144.4444% | 1,570 |
| Earnings coverage of net charge-offs (x) | 23.7540% | 1,596 |
| Efficiency ratio | 65.2663% | 4,138 |
| Assets per employee ($millions) | 3.6656% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3577% | 2,945 |
| Loan loss allowance to noncurrent loans | 2,440.6250% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 5,470 |
| Noncurrent loans to loans | 0.0556% | 5,516 |
| Net loans and leases to total assets | 61.9181% | 3,561 |
| Net loans and leases to deposits | 70.8722% | 3,837 |
| Net loans and leases to core deposits | 74.3678% | 3,927 |
| Total domestic deposits to total assets | 87.3659% | 1,982 |
| Equity capital to assets | 12.5064% | 1,650 |
| Core capital (leverage) ratio | 12.5126% | 1,375 |
| Tier 1 risk-based capital ratio | 17.7399% | 2,146 |
| Total risk-based capital ratio | 18.9489% | 2,107 |
| Memoranda: |
| Average total assets | $365,138,330 | 1,813 |
| Average earning assets | $341,855,000 | 1,791 |
| Average equity | $45,410,670 | 1,638 |
| Average total loans | $222,097,670 | 1,928 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5743% | 1,282 |
| Cost of funding earning assets | 0.5634% | 1,721 |
| Net interest margin | 4.0109% | 1,517 |
| Noninterest income to average assets | 0.8913% | 1,413 |
| Noninterest expense to average assets | 3.0591% | 2,402 |
| Loan and lease loss provision to assets | 0.0977% | 2,070 |
| Net operating income to assets | 1.1613% | 1,660 |
| Return on assets (ROA) | 1.1613% | 1,766 |
| Pretax return on assets | 1.4851% | 1,611 |
| Return on Equity (ROE) | 9.3641% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.3641% | 1,077 |
| Net charge-offs to loans | 0.0679% | 2,053 |
| Credit loss provision to net charge-offs | 240.5405% | 938 |
| Earnings coverage of net charge-offs (x) | 38.9730% | 992 |
| Efficiency ratio | 65.9021% | 4,176 |
| Assets per employee ($millions) | 3.7003% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4354% | 2,765 |
| Loan loss allowance to noncurrent loans | 621.5139% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 5,390 |
| Noncurrent loans to loans | 0.2310% | 4,950 |
| Net loans and leases to total assets | 58.4817% | 3,874 |
| Net loans and leases to deposits | 67.0701% | 4,047 |
| Net loans and leases to core deposits | 70.4599% | 4,107 |
| Total domestic deposits to total assets | 87.1949% | 2,273 |
| Equity capital to assets | 12.5174% | 1,683 |
| Core capital (leverage) ratio | 12.2361% | 1,486 |
| Tier 1 risk-based capital ratio | 18.0192% | 2,130 |
| Total risk-based capital ratio | 19.2695% | 2,085 |
| Memoranda: |
| Average total assets | $364,426,000 | 1,824 |
| Average earning assets | $340,773,500 | 1,801 |
| Average equity | $45,194,000 | 1,648 |
| Average total loans | $218,100,000 | 1,950 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6447% | 1,433 |
| Cost of funding earning assets | 0.6388% | 1,487 |
| Net interest margin | 4.0060% | 1,881 |
| Noninterest income to average assets | 0.6993% | 2,307 |
| Noninterest expense to average assets | 3.0701% | 2,624 |
| Loan and lease loss provision to assets | 0.0555% | 3,438 |
| Net operating income to assets | 1.0627% | 2,116 |
| Return on assets (ROA) | 1.0640% | 2,171 |
| Pretax return on assets | 1.3345% | 2,130 |
| Return on Equity (ROE) | 9.0301% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.2095% | 2,461 |
| Net charge-offs to loans | 0.3504% | 1,252 |
| Credit loss provision to net charge-offs | 26.5252% | 3,894 |
| Earnings coverage of net charge-offs (x) | 6.6379% | 3,162 |
| Efficiency ratio | 68.8608% | 3,745 |
| Assets per employee ($millions) | 3.6992% | 4,527 |
| Cash dividends to net income (ytd only)* | 42.3097% | 2,725 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4019% | 2,942 |
| Loan loss allowance to noncurrent loans | 876.5714% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 5,596 |
| Noncurrent loans to loans | 0.1599% | 5,256 |
| Net loans and leases to total assets | 59.5208% | 3,846 |
| Net loans and leases to deposits | 68.3759% | 4,089 |
| Net loans and leases to core deposits | 72.0033% | 4,122 |
| Total domestic deposits to total assets | 87.0493% | 2,255 |
| Equity capital to assets | 12.3421% | 1,740 |
| Core capital (leverage) ratio | 12.0415% | 1,593 |
| Tier 1 risk-based capital ratio | 17.6389% | 2,268 |
| Total risk-based capital ratio | 18.8744% | 2,242 |
| Memoranda: |
| Average total assets | $360,510,600 | 1,810 |
| Average earning assets | $338,296,600 | 1,769 |
| Average equity | $42,480,000 | 1,691 |
| Average total loans | $215,202,800 | 1,933 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6197% | 1,516 |
| Cost of funding earning assets | 0.6486% | 1,466 |
| Net interest margin | 3.9711% | 1,961 |
| Noninterest income to average assets | 0.6037% | 2,845 |
| Noninterest expense to average assets | 3.1384% | 2,354 |
| Loan and lease loss provision to assets | 0.0281% | 3,843 |
| Net operating income to assets | 0.9230% | 2,805 |
| Return on assets (ROA) | 0.9248% | 2,892 |
| Pretax return on assets | 1.1674% | 2,919 |
| Return on Equity (ROE) | 7.9430% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.9430% | 1,391 |
| Net charge-offs to loans | 0.3602% | 1,116 |
| Credit loss provision to net charge-offs | 13.1261% | 3,671 |
| Earnings coverage of net charge-offs (x) | 5.5648% | 3,235 |
| Efficiency ratio | 72.4521% | 3,097 |
| Assets per employee ($millions) | 3.7107% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4368% | 3,007 |
| Loan loss allowance to noncurrent loans | 604.4574% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 5,185 |
| Noncurrent loans to loans | 0.2377% | 5,186 |
| Net loans and leases to total assets | 59.4428% | 3,877 |
| Net loans and leases to deposits | 68.0722% | 4,119 |
| Net loans and leases to core deposits | 71.8006% | 4,170 |
| Total domestic deposits to total assets | 87.3232% | 2,143 |
| Equity capital to assets | 12.3109% | 1,821 |
| Core capital (leverage) ratio | 12.2085% | 1,569 |
| Tier 1 risk-based capital ratio | 18.1033% | 2,184 |
| Total risk-based capital ratio | 19.3537% | 2,139 |
| Memoranda: |
| Average total assets | $360,007,750 | 1,824 |
| Average earning assets | $337,963,250 | 1,784 |
| Average equity | $41,914,250 | 1,719 |
| Average total loans | $214,292,500 | 1,955 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5842% | 1,573 |
| Cost of funding earning assets | 0.6427% | 1,568 |
| Net interest margin | 3.9415% | 2,010 |
| Noninterest income to average assets | 0.5461% | 3,160 |
| Noninterest expense to average assets | 3.2375% | 2,077 |
| Loan and lease loss provision to assets | 0.0289% | 3,697 |
| Net operating income to assets | 0.7696% | 3,465 |
| Return on assets (ROA) | 0.7722% | 3,561 |
| Pretax return on assets | 0.9860% | 3,530 |
| Return on Equity (ROE) | 6.7615% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.7615% | 1,896 |
| Net charge-offs to loans | 0.3393% | 1,197 |
| Credit loss provision to net charge-offs | 14.3646% | 3,262 |
| Earnings coverage of net charge-offs (x) | 5.0304% | 2,997 |
| Efficiency ratio | 76.1930% | 2,596 |
| Assets per employee ($millions) | 3.7108% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5676% | 2,590 |
| Loan loss allowance to noncurrent loans | 794.2446% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 5,024 |
| Noncurrent loans to loans | 0.1974% | 5,426 |
| Net loans and leases to total assets | 57.1862% | 4,089 |
| Net loans and leases to deposits | 65.0219% | 4,375 |
| Net loans and leases to core deposits | 68.5182% | 4,409 |
| Total domestic deposits to total assets | 87.9491% | 1,928 |
| Equity capital to assets | 11.7633% | 2,194 |
| Core capital (leverage) ratio | 11.9151% | 1,711 |
| Tier 1 risk-based capital ratio | 17.9589% | 2,259 |
| Total risk-based capital ratio | 19.2105% | 2,226 |
| Memoranda: |
| Average total assets | $360,032,330 | 1,824 |
| Average earning assets | $338,249,000 | 1,780 |
| Average equity | $41,115,330 | 1,743 |
| Average total loans | $213,365,330 | 1,957 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6105% | 1,477 |
| Cost of funding earning assets | 0.6350% | 1,686 |
| Net interest margin | 3.9755% | 1,839 |
| Noninterest income to average assets | 0.2166% | 5,619 |
| Noninterest expense to average assets | 3.2449% | 2,088 |
| Loan and lease loss provision to assets | 0.0290% | 3,445 |
| Net operating income to assets | 0.5471% | 4,469 |
| Return on assets (ROA) | 0.5471% | 4,540 |
| Pretax return on assets | 0.6756% | 4,573 |
| Return on Equity (ROE) | 4.8655% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.8655% | 3,194 |
| Net charge-offs to loans | 0.5149% | 717 |
| Credit loss provision to net charge-offs | 9.4203% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.2862% | 2,913 |
| Efficiency ratio | 82.1600% | 1,908 |
| Assets per employee ($millions) | 3.5810% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5836% | 2,774 |
| Loan loss allowance to noncurrent loans | 517.9724% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 4,910 |
| Noncurrent loans to loans | 0.3057% | 5,197 |
| Net loans and leases to total assets | 57.9405% | 3,849 |
| Net loans and leases to deposits | 65.4888% | 4,149 |
| Net loans and leases to core deposits | 68.8994% | 4,221 |
| Total domestic deposits to total assets | 88.4739% | 1,951 |
| Equity capital to assets | 11.3630% | 2,363 |
| Core capital (leverage) ratio | 11.7891% | 1,770 |
| Tier 1 risk-based capital ratio | 16.4527% | 2,918 |
| Total risk-based capital ratio | 17.7035% | 2,891 |
| Memoranda: |
| Average total assets | $358,220,500 | 1,839 |
| Average earning assets | $336,360,000 | 1,796 |
| Average equity | $40,284,000 | 1,764 |
| Average total loans | $214,411,500 | 1,943 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6812% | 1,619 |
| Cost of funding earning assets | 0.6330% | 2,353 |
| Net interest margin | 4.0482% | 1,810 |
| Noninterest income to average assets | 0.2964% | 5,232 |
| Noninterest expense to average assets | 3.0730% | 2,828 |
| Loan and lease loss provision to assets | 0.0236% | 4,655 |
| Net operating income to assets | 0.7605% | 3,494 |
| Return on assets (ROA) | 0.7587% | 3,599 |
| Pretax return on assets | 0.9739% | 3,455 |
| Return on Equity (ROE) | 6.6218% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.6421% | 3,633 |
| Net charge-offs to loans | 0.0966% | 3,874 |
| Credit loss provision to net charge-offs | 41.4634% | 4,013 |
| Earnings coverage of net charge-offs (x) | 17.5415% | 1,708 |
| Efficiency ratio | 75.4522% | 2,867 |
| Assets per employee ($millions) | 3.3786% | 5,140 |
| Cash dividends to net income (ytd only)* | 44.9982% | 2,551 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6777% | 2,470 |
| Loan loss allowance to noncurrent loans | 797.7974% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 3,925 |
| Noncurrent loans to loans | 0.2103% | 5,551 |
| Net loans and leases to total assets | 59.8346% | 3,746 |
| Net loans and leases to deposits | 67.7266% | 4,092 |
| Net loans and leases to core deposits | 70.9727% | 4,189 |
| Total domestic deposits to total assets | 88.3473% | 1,982 |
| Equity capital to assets | 11.1259% | 2,502 |
| Core capital (leverage) ratio | 11.6661% | 1,848 |
| Tier 1 risk-based capital ratio | 16.3141% | 2,961 |
| Total risk-based capital ratio | 17.5663% | 2,911 |
| Memoranda: |
| Average total assets | $359,680,800 | 1,802 |
| Average earning assets | $335,533,800 | 1,768 |
| Average equity | $41,212,600 | 1,698 |
| Average total loans | $212,172,200 | 1,916 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6034% | 1,892 |
| Cost of funding earning assets | 0.6268% | 2,583 |
| Net interest margin | 3.9767% | 2,017 |
| Noninterest income to average assets | 0.8619% | 1,886 |
| Noninterest expense to average assets | 2.9883% | 3,031 |
| Loan and lease loss provision to assets | 0.0199% | 4,605 |
| Net operating income to assets | 1.1918% | 1,666 |
| Return on assets (ROA) | 1.1896% | 1,741 |
| Pretax return on assets | 1.5586% | 1,448 |
| Return on Equity (ROE) | 10.3083% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.3083% | 729 |
| Net charge-offs to loans | 0.1483% | 3,057 |
| Credit loss provision to net charge-offs | 22.9787% | 4,020 |
| Earnings coverage of net charge-offs (x) | 18.2168% | 1,697 |
| Efficiency ratio | 65.3921% | 4,593 |
| Assets per employee ($millions) | 3.6168% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6444% | 2,819 |
| Loan loss allowance to noncurrent loans | 445.1250% | 978 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 2,749 |
| Noncurrent loans to loans | 0.3694% | 5,291 |
| Net loans and leases to total assets | 60.7111% | 3,576 |
| Net loans and leases to deposits | 68.9846% | 3,935 |
| Net loans and leases to core deposits | 72.0202% | 4,089 |
| Total domestic deposits to total assets | 88.0068% | 2,125 |
| Equity capital to assets | 11.8162% | 2,035 |
| Core capital (leverage) ratio | 12.1917% | 1,564 |
| Tier 1 risk-based capital ratio | 17.6518% | 2,458 |
| Total risk-based capital ratio | 18.9044% | 2,427 |
| Memoranda: |
| Average total assets | $360,911,500 | 1,811 |
| Average earning assets | $336,521,750 | 1,779 |
| Average equity | $41,648,250 | 1,696 |
| Average total loans | $211,242,750 | 1,922 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4646% | 2,333 |
| Cost of funding earning assets | 0.6159% | 2,798 |
| Net interest margin | 3.8487% | 2,382 |
| Noninterest income to average assets | 0.8241% | 2,093 |
| Noninterest expense to average assets | 2.9346% | 3,224 |
| Loan and lease loss provision to assets | 0.0165% | 4,565 |
| Net operating income to assets | 1.0986% | 1,933 |
| Return on assets (ROA) | 1.0953% | 2,056 |
| Pretax return on assets | 1.4610% | 1,736 |
| Return on Equity (ROE) | 9.5654% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.5654% | 946 |
| Net charge-offs to loans | 0.1174% | 3,193 |
| Credit loss provision to net charge-offs | 24.3902% | 3,668 |
| Earnings coverage of net charge-offs (x) | 21.9431% | 1,394 |
| Efficiency ratio | 66.4470% | 4,465 |
| Assets per employee ($millions) | 3.7639% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7368% | 2,637 |
| Loan loss allowance to noncurrent loans | 532.7007% | 822 |
| Noncurrent assets plus other real estate owned to assets | 1.4955% | 2,861 |
| Noncurrent loans to loans | 0.3260% | 5,479 |
| Net loans and leases to total assets | 56.5445% | 4,204 |
| Net loans and leases to deposits | 63.8195% | 4,532 |
| Net loans and leases to core deposits | 66.8389% | 4,612 |
| Total domestic deposits to total assets | 88.6007% | 1,851 |
| Equity capital to assets | 11.2410% | 2,530 |
| Core capital (leverage) ratio | 11.4479% | 1,980 |
| Tier 1 risk-based capital ratio | 17.2323% | 2,621 |
| Total risk-based capital ratio | 18.4855% | 2,593 |
| Memoranda: |
| Average total assets | $364,271,330 | 1,798 |
| Average earning assets | $340,009,330 | 1,766 |
| Average equity | $41,712,670 | 1,695 |
| Average total loans | $209,472,000 | 1,938 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3956% | 2,539 |
| Cost of funding earning assets | 0.6064% | 3,048 |
| Net interest margin | 3.7892% | 2,490 |
| Noninterest income to average assets | 0.7585% | 2,301 |
| Noninterest expense to average assets | 2.9484% | 3,165 |
| Loan and lease loss provision to assets | 0.0154% | 4,264 |
| Net operating income to assets | 0.9639% | 2,382 |
| Return on assets (ROA) | 0.9575% | 2,548 |
| Pretax return on assets | 1.3236% | 2,145 |
| Return on Equity (ROE) | 8.2857% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.2857% | 1,648 |
| Net charge-offs to loans | 0.1702% | 2,382 |
| Credit loss provision to net charge-offs | 15.7303% | 3,094 |
| Earnings coverage of net charge-offs (x) | 13.7753% | 1,497 |
| Efficiency ratio | 68.6285% | 4,203 |
| Assets per employee ($millions) | 3.6853% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7775% | 2,705 |
| Loan loss allowance to noncurrent loans | 515.7525% | 831 |
| Noncurrent assets plus other real estate owned to assets | 1.6137% | 2,844 |
| Noncurrent loans to loans | 0.3446% | 5,539 |
| Net loans and leases to total assets | 54.9858% | 4,243 |
| Net loans and leases to deposits | 62.2876% | 4,503 |
| Net loans and leases to core deposits | 65.2628% | 4,623 |
| Total domestic deposits to total assets | 88.2774% | 2,145 |
| Equity capital to assets | 11.4689% | 2,439 |
| Core capital (leverage) ratio | 11.2403% | 2,065 |
| Tier 1 risk-based capital ratio | 17.8995% | 2,408 |
| Total risk-based capital ratio | 19.1537% | 2,370 |
| Memoranda: |
| Average total assets | $363,857,000 | 1,812 |
| Average earning assets | $339,702,000 | 1,779 |
| Average equity | $42,048,500 | 1,698 |
| Average total loans | $209,161,500 | 1,951 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8953% | 1,853 |
| Cost of funding earning assets | 0.7514% | 3,080 |
| Net interest margin | 4.1439% | 1,843 |
| Noninterest income to average assets | 0.0811% | 6,578 |
| Noninterest expense to average assets | 2.9591% | 3,431 |
| Loan and lease loss provision to assets | 0.0425% | 5,322 |
| Net operating income to assets | 0.6841% | 3,811 |
| Return on assets (ROA) | 0.7121% | 3,944 |
| Pretax return on assets | 0.9256% | 3,827 |
| Return on Equity (ROE) | 6.2376% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.3480% | 3,864 |
| Net charge-offs to loans | 0.5949% | 1,950 |
| Credit loss provision to net charge-offs | 12.1309% | 5,373 |
| Earnings coverage of net charge-offs (x) | 2.6576% | 4,099 |
| Efficiency ratio | 76.0535% | 2,732 |
| Assets per employee ($millions) | 3.4537% | 5,101 |
| Cash dividends to net income (ytd only)* | 46.3261% | 2,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7649% | 2,712 |
| Loan loss allowance to noncurrent loans | 2,598.6111% | 230 |
| Noncurrent assets plus other real estate owned to assets | 1.6334% | 2,954 |
| Noncurrent loans to loans | 0.0679% | 6,320 |
| Net loans and leases to total assets | 57.9855% | 3,983 |
| Net loans and leases to deposits | 65.7697% | 4,320 |
| Net loans and leases to core deposits | 68.5485% | 4,473 |
| Total domestic deposits to total assets | 88.1644% | 2,122 |
| Equity capital to assets | 11.6460% | 2,308 |
| Core capital (leverage) ratio | 11.2654% | 2,041 |
| Tier 1 risk-based capital ratio | 17.3628% | 2,498 |
| Total risk-based capital ratio | 18.6172% | 2,471 |
| Memoranda: |
| Average total assets | $357,401,800 | 1,819 |
| Average earning assets | $328,581,400 | 1,803 |
| Average equity | $40,800,800 | 1,710 |
| Average total loans | $210,631,000 | 1,916 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9594% | 1,805 |
| Cost of funding earning assets | 0.7878% | 3,046 |
| Net interest margin | 4.1716% | 1,824 |
| Noninterest income to average assets | -0.1053% | 7,029 |
| Noninterest expense to average assets | 2.9247% | 3,500 |
| Loan and lease loss provision to assets | 0.0489% | 5,157 |
| Net operating income to assets | 0.5917% | 4,429 |
| Return on assets (ROA) | 0.6305% | 4,490 |
| Pretax return on assets | 0.7911% | 4,524 |
| Return on Equity (ROE) | 5.5511% | 4,572 |
| Retained earnings to average equity (ytd only) | 5.5511% | 3,003 |
| Net charge-offs to loans | 0.6252% | 1,760 |
| Credit loss provision to net charge-offs | 13.2860% | 5,038 |
| Earnings coverage of net charge-offs (x) | 2.1491% | 4,190 |
| Efficiency ratio | 78.7014% | 2,285 |
| Assets per employee ($millions) | 3.4546% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9065% | 2,448 |
| Loan loss allowance to noncurrent loans | 451.6421% | 846 |
| Noncurrent assets plus other real estate owned to assets | 2.3016% | 2,311 |
| Noncurrent loans to loans | 0.4221% | 5,608 |
| Net loans and leases to total assets | 57.1135% | 4,276 |
| Net loans and leases to deposits | 64.8732% | 4,611 |
| Net loans and leases to core deposits | 67.5587% | 4,769 |
| Total domestic deposits to total assets | 88.0387% | 2,025 |
| Equity capital to assets | 11.7724% | 2,461 |
| Core capital (leverage) ratio | 11.4107% | 2,048 |
| Tier 1 risk-based capital ratio | 17.7350% | 2,450 |
| Total risk-based capital ratio | 18.9911% | 2,419 |
| Memoranda: |
| Average total assets | $356,955,250 | 1,843 |
| Average earning assets | $326,996,250 | 1,836 |
| Average equity | $40,543,250 | 1,739 |
| Average total loans | $210,284,000 | 1,942 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0647% | 1,614 |
| Cost of funding earning assets | 0.8418% | 2,866 |
| Net interest margin | 4.2229% | 1,689 |
| Noninterest income to average assets | -0.4936% | 7,189 |
| Noninterest expense to average assets | 2.9502% | 3,441 |
| Loan and lease loss provision to assets | 0.0612% | 4,884 |
| Net operating income to assets | 0.2919% | 5,648 |
| Return on assets (ROA) | 0.3532% | 5,637 |
| Pretax return on assets | 0.4217% | 5,654 |
| Return on Equity (ROE) | 3.1482% | 5,629 |
| Retained earnings to average equity (ytd only) | 3.1482% | 4,529 |
| Net charge-offs to loans | 0.8478% | 1,305 |
| Credit loss provision to net charge-offs | 12.2060% | 4,715 |
| Earnings coverage of net charge-offs (x) | 0.8175% | 4,649 |
| Efficiency ratio | 87.8008% | 1,249 |
| Assets per employee ($millions) | 3.4167% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9341% | 2,434 |
| Loan loss allowance to noncurrent loans | 468.1661% | 767 |
| Noncurrent assets plus other real estate owned to assets | 2.4610% | 2,268 |
| Noncurrent loans to loans | 0.4131% | 5,709 |
| Net loans and leases to total assets | 57.9188% | 4,174 |
| Net loans and leases to deposits | 65.5520% | 4,564 |
| Net loans and leases to core deposits | 67.7222% | 4,822 |
| Total domestic deposits to total assets | 88.3556% | 1,928 |
| Equity capital to assets | 11.4798% | 2,616 |
| Core capital (leverage) ratio | 10.9976% | 2,295 |
| Tier 1 risk-based capital ratio | 17.1497% | 2,605 |
| Total risk-based capital ratio | 18.4063% | 2,568 |
| Memoranda: |
| Average total assets | $356,182,330 | 1,846 |
| Average earning assets | $325,036,000 | 1,847 |
| Average equity | $39,959,330 | 1,745 |
| Average total loans | $210,651,330 | 1,937 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1058% | 1,557 |
| Cost of funding earning assets | 0.8849% | 2,798 |
| Net interest margin | 4.2209% | 1,701 |
| Noninterest income to average assets | -1.4582% | 7,293 |
| Noninterest expense to average assets | 2.9815% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5822% | 6,868 |
| Return on assets (ROA) | -0.5709% | 6,890 |
| Pretax return on assets | -0.5709% | 6,856 |
| Return on Equity (ROE) | -5.1488% | 6,855 |
| Retained earnings to average equity (ytd only) | -5.1488% | 6,588 |
| Net charge-offs to loans | 1.6982% | 569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.5792% | 4,514 |
| Efficiency ratio | 124.2637% | 188 |
| Assets per employee ($millions) | 3.4865% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8840% | 2,729 |
| Loan loss allowance to noncurrent loans | 254.1533% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 3.0918% | 1,882 |
| Noncurrent loans to loans | 0.7413% | 5,184 |
| Net loans and leases to total assets | 57.2401% | 4,175 |
| Net loans and leases to deposits | 64.3444% | 4,586 |
| Net loans and leases to core deposits | 66.3204% | 4,879 |
| Total domestic deposits to total assets | 88.9589% | 1,720 |
| Equity capital to assets | 10.9275% | 3,000 |
| Core capital (leverage) ratio | 10.6815% | 2,568 |
| Tier 1 risk-based capital ratio | 16.4432% | 2,938 |
| Total risk-based capital ratio | 17.6989% | 2,897 |
| Memoranda: |
| Average total assets | $356,605,000 | 1,853 |
| Average earning assets | $325,904,500 | 1,849 |
| Average equity | $39,543,000 | 1,755 |
| Average total loans | $211,044,000 | 1,938 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8240% | 3,688 |
| Cost of funding earning assets | 1.0898% | 2,738 |
| Net interest margin | 3.7342% | 4,137 |
| Noninterest income to average assets | 0.7120% | 2,538 |
| Noninterest expense to average assets | 2.9949% | 3,612 |
| Loan and lease loss provision to assets | 0.0952% | 5,406 |
| Net operating income to assets | 0.7700% | 3,177 |
| Return on assets (ROA) | 0.7700% | 3,336 |
| Pretax return on assets | 1.0448% | 3,054 |
| Return on Equity (ROE) | 6.8911% | 3,447 |
| Retained earnings to average equity (ytd only) | 3.8482% | 3,472 |
| Net charge-offs to loans | 0.3947% | 3,437 |
| Credit loss provision to net charge-offs | 39.2390% | 5,638 |
| Earnings coverage of net charge-offs (x) | 4.7004% | 3,013 |
| Efficiency ratio | 72.4299% | 3,497 |
| Assets per employee ($millions) | 3.4378% | 5,161 |
| Cash dividends to net income (ytd only)* | 44.1573% | 2,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2781% | 1,661 |
| Loan loss allowance to noncurrent loans | 159.9406% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 3.7893% | 1,527 |
| Noncurrent loans to loans | 1.4244% | 4,025 |
| Net loans and leases to total assets | 58.6679% | 4,250 |
| Net loans and leases to deposits | 66.4713% | 4,672 |
| Net loans and leases to core deposits | 69.0349% | 4,902 |
| Total domestic deposits to total assets | 88.2606% | 1,992 |
| Equity capital to assets | 11.2523% | 2,739 |
| Core capital (leverage) ratio | 10.8862% | 2,362 |
| Tier 1 risk-based capital ratio | 16.3993% | 2,862 |
| Total risk-based capital ratio | 17.6594% | 2,830 |
| Memoranda: |
| Average total assets | $346,758,200 | 1,866 |
| Average earning assets | $317,849,600 | 1,852 |
| Average equity | $38,745,800 | 1,742 |
| Average total loans | $213,055,000 | 1,929 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7916% | 4,055 |
| Cost of funding earning assets | 1.1182% | 2,850 |
| Net interest margin | 3.6734% | 4,454 |
| Noninterest income to average assets | 0.6606% | 2,819 |
| Noninterest expense to average assets | 2.9772% | 3,646 |
| Loan and lease loss provision to assets | 0.0561% | 5,741 |
| Net operating income to assets | 0.7383% | 3,436 |
| Return on assets (ROA) | 0.7383% | 3,605 |
| Pretax return on assets | 0.9988% | 3,411 |
| Return on Equity (ROE) | 6.6195% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.6195% | 2,187 |
| Net charge-offs to loans | 0.4140% | 3,075 |
| Credit loss provision to net charge-offs | 21.9033% | 5,535 |
| Earnings coverage of net charge-offs (x) | 4.1224% | 3,174 |
| Efficiency ratio | 73.8376% | 3,213 |
| Assets per employee ($millions) | 3.5076% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2348% | 1,802 |
| Loan loss allowance to noncurrent loans | 123.9303% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 3.8627% | 1,599 |
| Noncurrent loans to loans | 1.8033% | 3,636 |
| Net loans and leases to total assets | 59.1435% | 4,299 |
| Net loans and leases to deposits | 66.9569% | 4,764 |
| Net loans and leases to core deposits | 69.7935% | 4,971 |
| Total domestic deposits to total assets | 88.3307% | 1,854 |
| Equity capital to assets | 11.2819% | 2,885 |
| Core capital (leverage) ratio | 11.0252% | 2,365 |
| Tier 1 risk-based capital ratio | 16.6583% | 2,779 |
| Total risk-based capital ratio | 17.9181% | 2,743 |
| Memoranda: |
| Average total assets | $344,923,250 | 1,882 |
| Average earning assets | $316,576,000 | 1,869 |
| Average equity | $38,471,250 | 1,754 |
| Average total loans | $213,172,500 | 1,941 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7222% | 4,437 |
| Cost of funding earning assets | 1.1576% | 2,855 |
| Net interest margin | 3.5647% | 4,859 |
| Noninterest income to average assets | 0.5683% | 3,344 |
| Noninterest expense to average assets | 2.9533% | 3,820 |
| Loan and lease loss provision to assets | 0.0088% | 6,153 |
| Net operating income to assets | 0.6306% | 3,910 |
| Return on assets (ROA) | 0.6406% | 3,973 |
| Pretax return on assets | 0.8725% | 3,749 |
| Return on Equity (ROE) | 5.7663% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.7663% | 2,558 |
| Net charge-offs to loans | 0.6309% | 2,254 |
| Credit loss provision to net charge-offs | 2.2422% | 5,318 |
| Earnings coverage of net charge-offs (x) | 2.2182% | 3,725 |
| Efficiency ratio | 77.2183% | 2,823 |
| Assets per employee ($millions) | 3.4158% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1471% | 2,014 |
| Loan loss allowance to noncurrent loans | 102.9798% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 4.2302% | 1,501 |
| Noncurrent loans to loans | 2.0850% | 3,368 |
| Net loans and leases to total assets | 60.8821% | 4,111 |
| Net loans and leases to deposits | 68.6520% | 4,609 |
| Net loans and leases to core deposits | 72.4791% | 4,760 |
| Total domestic deposits to total assets | 88.6822% | 1,731 |
| Equity capital to assets | 11.0637% | 2,891 |
| Core capital (leverage) ratio | 11.1091% | 2,166 |
| Tier 1 risk-based capital ratio | 16.1307% | 2,911 |
| Total risk-based capital ratio | 17.3897% | 2,879 |
| Memoranda: |
| Average total assets | $340,638,670 | 1,917 |
| Average earning assets | $311,165,330 | 1,910 |
| Average equity | $37,840,330 | 1,771 |
| Average total loans | $212,083,670 | 1,980 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6313% | 4,814 |
| Cost of funding earning assets | 1.2034% | 2,790 |
| Net interest margin | 3.4279% | 5,310 |
| Noninterest income to average assets | 0.8106% | 1,988 |
| Noninterest expense to average assets | 2.9680% | 3,775 |
| Loan and lease loss provision to assets | 0.2567% | 3,090 |
| Net operating income to assets | 0.5659% | 4,208 |
| Return on assets (ROA) | 0.5659% | 4,280 |
| Pretax return on assets | 0.7044% | 4,295 |
| Return on Equity (ROE) | 5.0834% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.0834% | 3,130 |
| Net charge-offs to loans | 0.3872% | 2,527 |
| Credit loss provision to net charge-offs | 106.4356% | 2,507 |
| Earnings coverage of net charge-offs (x) | 3.9851% | 2,587 |
| Efficiency ratio | 75.5393% | 3,236 |
| Assets per employee ($millions) | 3.2965% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5531% | 1,383 |
| Loan loss allowance to noncurrent loans | 112.2099% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 5.1705% | 1,212 |
| Noncurrent loans to loans | 2.2753% | 3,227 |
| Net loans and leases to total assets | 60.3299% | 4,201 |
| Net loans and leases to deposits | 67.9369% | 4,690 |
| Net loans and leases to core deposits | 72.5771% | 4,716 |
| Total domestic deposits to total assets | 88.8029% | 1,896 |
| Equity capital to assets | 11.0557% | 2,632 |
| Core capital (leverage) ratio | 11.3051% | 1,956 |
| Tier 1 risk-based capital ratio | 16.4213% | 2,697 |
| Total risk-based capital ratio | 17.6848% | 2,667 |
| Memoranda: |
| Average total assets | $335,045,000 | 1,958 |
| Average earning assets | $304,792,500 | 1,954 |
| Average equity | $37,298,000 | 1,783 |
| Average total loans | $208,676,000 | 2,025 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8122% | 5,372 |
| Cost of funding earning assets | 1.4084% | 3,207 |
| Net interest margin | 3.4038% | 5,620 |
| Noninterest income to average assets | 0.7878% | 2,337 |
| Noninterest expense to average assets | 2.8727% | 4,341 |
| Loan and lease loss provision to assets | 0.3374% | 4,125 |
| Net operating income to assets | 0.5217% | 3,995 |
| Return on assets (ROA) | 0.5217% | 4,150 |
| Pretax return on assets | 0.6648% | 4,109 |
| Return on Equity (ROE) | 4.4575% | 4,315 |
| Retained earnings to average equity (ytd only) | 1.8337% | 4,580 |
| Net charge-offs to loans | 1.6195% | 1,339 |
| Credit loss provision to net charge-offs | 30.9544% | 6,486 |
| Earnings coverage of net charge-offs (x) | 0.9195% | 5,191 |
| Efficiency ratio | 74.1374% | 3,368 |
| Assets per employee ($millions) | 3.1783% | 5,722 |
| Cash dividends to net income (ytd only)* | 58.8623% | 1,676 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5847% | 1,304 |
| Loan loss allowance to noncurrent loans | 69.1017% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 6.6211% | 853 |
| Noncurrent loans to loans | 3.7405% | 1,980 |
| Net loans and leases to total assets | 61.0458% | 4,479 |
| Net loans and leases to deposits | 69.0888% | 4,948 |
| Net loans and leases to core deposits | 74.7512% | 4,883 |
| Total domestic deposits to total assets | 88.3584% | 2,035 |
| Equity capital to assets | 11.2108% | 2,493 |
| Core capital (leverage) ratio | 11.2187% | 2,000 |
| Tier 1 risk-based capital ratio | 16.4158% | 2,560 |
| Total risk-based capital ratio | 17.6795% | 2,522 |
| Memoranda: |
| Average total assets | $320,112,600 | 2,039 |
| Average earning assets | $290,324,600 | 2,043 |
| Average equity | $37,464,600 | 1,762 |
| Average total loans | $215,440,800 | 2,006 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8586% | 5,444 |
| Cost of funding earning assets | 1.4360% | 3,361 |
| Net interest margin | 3.4225% | 5,597 |
| Noninterest income to average assets | 0.7139% | 2,746 |
| Noninterest expense to average assets | 2.8929% | 4,119 |
| Loan and lease loss provision to assets | 0.3212% | 4,017 |
| Net operating income to assets | 0.4901% | 4,358 |
| Return on assets (ROA) | 0.4901% | 4,559 |
| Pretax return on assets | 0.6043% | 4,581 |
| Return on Equity (ROE) | 4.1419% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.1419% | 3,557 |
| Net charge-offs to loans | 1.7978% | 1,078 |
| Credit loss provision to net charge-offs | 26.0825% | 6,194 |
| Earnings coverage of net charge-offs (x) | 0.7514% | 5,310 |
| Efficiency ratio | 75.7616% | 2,997 |
| Assets per employee ($millions) | 3.1466% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5915% | 1,216 |
| Loan loss allowance to noncurrent loans | 56.2764% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 6.9415% | 785 |
| Noncurrent loans to loans | 4.6050% | 1,550 |
| Net loans and leases to total assets | 64.2635% | 4,068 |
| Net loans and leases to deposits | 72.9578% | 4,698 |
| Net loans and leases to core deposits | 79.1205% | 4,642 |
| Total domestic deposits to total assets | 88.0832% | 1,914 |
| Equity capital to assets | 11.7622% | 2,313 |
| Core capital (leverage) ratio | 11.5830% | 1,890 |
| Tier 1 risk-based capital ratio | 16.7662% | 2,424 |
| Total risk-based capital ratio | 18.0316% | 2,382 |
| Memoranda: |
| Average total assets | $317,504,000 | 2,080 |
| Average earning assets | $288,005,500 | 2,092 |
| Average equity | $37,566,500 | 1,775 |
| Average total loans | $217,516,250 | 2,017 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8951% | 5,412 |
| Cost of funding earning assets | 1.4634% | 3,472 |
| Net interest margin | 3.4317% | 5,513 |
| Noninterest income to average assets | 0.7873% | 2,185 |
| Noninterest expense to average assets | 2.8455% | 4,287 |
| Loan and lease loss provision to assets | 0.2864% | 4,103 |
| Net operating income to assets | 0.5906% | 3,917 |
| Return on assets (ROA) | 0.5906% | 4,058 |
| Pretax return on assets | 0.7567% | 4,040 |
| Return on Equity (ROE) | 4.9815% | 4,293 |
| Retained earnings to average equity (ytd only) | 4.9815% | 2,912 |
| Net charge-offs to loans | 2.1077% | 857 |
| Credit loss provision to net charge-offs | 19.5822% | 5,857 |
| Earnings coverage of net charge-offs (x) | 0.7132% | 5,031 |
| Efficiency ratio | 73.1751% | 3,629 |
| Assets per employee ($millions) | 3.1451% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7209% | 1,068 |
| Loan loss allowance to noncurrent loans | 58.5296% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 7.1511% | 729 |
| Noncurrent loans to loans | 4.6488% | 1,547 |
| Net loans and leases to total assets | 65.2801% | 3,990 |
| Net loans and leases to deposits | 74.0464% | 4,669 |
| Net loans and leases to core deposits | 80.4785% | 4,636 |
| Total domestic deposits to total assets | 88.1611% | 1,919 |
| Equity capital to assets | 11.6793% | 2,296 |
| Core capital (leverage) ratio | 11.9307% | 1,682 |
| Tier 1 risk-based capital ratio | 16.2534% | 2,570 |
| Total risk-based capital ratio | 17.5196% | 2,517 |
| Memoranda: |
| Average total assets | $314,255,000 | 2,122 |
| Average earning assets | $283,999,000 | 2,124 |
| Average equity | $37,258,000 | 1,786 |
| Average total loans | $218,055,670 | 2,047 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9676% | 5,164 |
| Cost of funding earning assets | 1.4877% | 3,634 |
| Net interest margin | 3.4799% | 5,240 |
| Noninterest income to average assets | 0.9412% | 1,482 |
| Noninterest expense to average assets | 2.8338% | 4,353 |
| Loan and lease loss provision to assets | 0.4072% | 2,923 |
| Net operating income to assets | 0.5986% | 3,903 |
| Return on assets (ROA) | 0.5986% | 4,050 |
| Pretax return on assets | 0.8390% | 3,712 |
| Return on Equity (ROE) | 5.0095% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.0095% | 3,152 |
| Net charge-offs to loans | 3.9727% | 331 |
| Credit loss provision to net charge-offs | 14.5228% | 5,005 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 4,629 |
| Efficiency ratio | 69.4550% | 4,418 |
| Assets per employee ($millions) | 3.0689% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7195% | 1,066 |
| Loan loss allowance to noncurrent loans | 57.3801% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 6.6849% | 833 |
| Noncurrent loans to loans | 4.7394% | 1,555 |
| Net loans and leases to total assets | 66.8697% | 3,664 |
| Net loans and leases to deposits | 75.9530% | 4,424 |
| Net loans and leases to core deposits | 82.4270% | 4,428 |
| Total domestic deposits to total assets | 88.0408% | 2,033 |
| Equity capital to assets | 11.7814% | 2,181 |
| Core capital (leverage) ratio | 12.0246% | 1,643 |
| Tier 1 risk-based capital ratio | 15.9594% | 2,671 |
| Total risk-based capital ratio | 17.2253% | 2,615 |
| Memoranda: |
| Average total assets | $309,407,500 | 2,199 |
| Average earning assets | $279,087,500 | 2,214 |
| Average equity | $36,969,500 | 1,821 |
| Average total loans | $218,388,500 | 2,088 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2442% | 5,438 |
| Cost of funding earning assets | 1.7324% | 4,349 |
| Net interest margin | 3.5118% | 4,904 |
| Noninterest income to average assets | -0.5670% | 7,953 |
| Noninterest expense to average assets | 2.9816% | 4,230 |
| Loan and lease loss provision to assets | 2.9105% | 615 |
| Net operating income to assets | -1.9094% | 7,053 |
| Return on assets (ROA) | -1.9020% | 7,050 |
| Pretax return on assets | -3.2727% | 7,360 |
| Return on Equity (ROE) | -14.4161% | 6,904 |
| Retained earnings to average equity (ytd only) | -14.4161% | 6,847 |
| Net charge-offs to loans | 1.8888% | 1,314 |
| Credit loss provision to net charge-offs | 206.6869% | 1,856 |
| Earnings coverage of net charge-offs (x) | -0.2654% | 6,511 |
| Efficiency ratio | 114.3290% | 704 |
| Assets per employee ($millions) | 2.9107% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5368% | 513 |
| Loan loss allowance to noncurrent loans | 70.0758% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 7.3198% | 677 |
| Noncurrent loans to loans | 5.0471% | 1,336 |
| Net loans and leases to total assets | 69.9437% | 3,268 |
| Net loans and leases to deposits | 79.7179% | 4,043 |
| Net loans and leases to core deposits | 99.9316% | 4,003 |
| Total domestic deposits to total assets | 87.7390% | 2,100 |
| Equity capital to assets | 12.1230% | 1,958 |
| Core capital (leverage) ratio | 12.0515% | 1,644 |
| Tier 1 risk-based capital ratio | 15.4725% | 2,728 |
| Total risk-based capital ratio | 16.7475% | 2,670 |
| Memoranda: |
| Average total assets | $303,728,000 | 2,194 |
| Average earning assets | $274,591,200 | 2,209 |
| Average equity | $40,073,200 | 1,668 |
| Average total loans | $226,438,200 | 2,048 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2608% | 5,629 |
| Cost of funding earning assets | 1.7817% | 4,469 |
| Net interest margin | 3.4791% | 4,953 |
| Noninterest income to average assets | -0.1671% | 7,961 |
| Noninterest expense to average assets | 2.9948% | 4,061 |
| Loan and lease loss provision to assets | 3.6716% | 352 |
| Net operating income to assets | -2.2839% | 7,403 |
| Return on assets (ROA) | -2.2847% | 7,394 |
| Pretax return on assets | -3.6848% | 7,637 |
| Return on Equity (ROE) | -16.9738% | 7,270 |
| Retained earnings to average equity (ytd only) | -16.9738% | 7,230 |
| Net charge-offs to loans | 2.3081% | 816 |
| Credit loss provision to net charge-offs | 211.9241% | 2,073 |
| Earnings coverage of net charge-offs (x) | -0.0068% | 6,078 |
| Efficiency ratio | 100.3970% | 1,044 |
| Assets per employee ($millions) | 2.8694% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3906% | 465 |
| Loan loss allowance to noncurrent loans | 133.7018% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 6.2423% | 836 |
| Noncurrent loans to loans | 2.5360% | 2,976 |
| Net loans and leases to total assets | 72.0734% | 3,021 |
| Net loans and leases to deposits | 82.6407% | 3,900 |
| Net loans and leases to core deposits | 104.1838% | 3,913 |
| Total domestic deposits to total assets | 87.2130% | 2,071 |
| Equity capital to assets | 12.4916% | 1,961 |
| Core capital (leverage) ratio | 12.0255% | 1,790 |
| Tier 1 risk-based capital ratio | 15.2771% | 2,922 |
| Total risk-based capital ratio | 16.5504% | 2,856 |
| Memoranda: |
| Average total assets | $303,981,250 | 2,204 |
| Average earning assets | $275,236,250 | 2,228 |
| Average equity | $40,917,000 | 1,651 |
| Average total loans | $228,174,500 | 2,065 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1459% | 6,268 |
| Cost of funding earning assets | 1.8177% | 4,671 |
| Net interest margin | 3.3282% | 5,448 |
| Noninterest income to average assets | 0.4861% | 4,571 |
| Noninterest expense to average assets | 2.9874% | 4,132 |
| Loan and lease loss provision to assets | 0.3857% | 3,603 |
| Net operating income to assets | 0.1272% | 5,485 |
| Return on assets (ROA) | 0.1253% | 5,595 |
| Pretax return on assets | 0.1319% | 5,598 |
| Return on Equity (ROE) | 0.9093% | 5,658 |
| Retained earnings to average equity (ytd only) | 0.9093% | 4,817 |
| Net charge-offs to loans | 0.8818% | 1,931 |
| Credit loss provision to net charge-offs | 58.1602% | 5,627 |
| Earnings coverage of net charge-offs (x) | 0.7834% | 4,948 |
| Efficiency ratio | 85.1852% | 2,336 |
| Assets per employee ($millions) | 2.8055% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2126% | 4,851 |
| Loan loss allowance to noncurrent loans | 23.8738% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 7.6473% | 513 |
| Noncurrent loans to loans | 5.0790% | 1,197 |
| Net loans and leases to total assets | 73.9853% | 2,703 |
| Net loans and leases to deposits | 86.1426% | 3,532 |
| Net loans and leases to core deposits | 107.6102% | 3,651 |
| Total domestic deposits to total assets | 85.8870% | 2,845 |
| Equity capital to assets | 13.8256% | 1,377 |
| Core capital (leverage) ratio | 13.9396% | 1,151 |
| Tier 1 risk-based capital ratio | 17.3687% | 2,188 |
| Total risk-based capital ratio | 18.5033% | 2,160 |
| Memoranda: |
| Average total assets | $304,880,670 | 2,229 |
| Average earning assets | $276,722,670 | 2,239 |
| Average equity | $42,011,000 | 1,619 |
| Average total loans | $229,310,670 | 2,088 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0514% | 6,791 |
| Cost of funding earning assets | 1.9141% | 4,560 |
| Net interest margin | 3.1372% | 6,076 |
| Noninterest income to average assets | 0.8081% | 2,284 |
| Noninterest expense to average assets | 2.9406% | 4,011 |
| Loan and lease loss provision to assets | 0.3863% | 3,006 |
| Net operating income to assets | 0.2286% | 5,565 |
| Return on assets (ROA) | 0.2286% | 5,726 |
| Pretax return on assets | 0.3088% | 5,659 |
| Return on Equity (ROE) | 1.6620% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.6620% | 4,916 |
| Net charge-offs to loans | 0.7374% | 1,708 |
| Credit loss provision to net charge-offs | 69.5035% | 4,365 |
| Earnings coverage of net charge-offs (x) | 1.2506% | 4,119 |
| Efficiency ratio | 80.8818% | 2,690 |
| Assets per employee ($millions) | 2.7991% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3566% | 3,754 |
| Loan loss allowance to noncurrent loans | 28.4326% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 7.4615% | 427 |
| Noncurrent loans to loans | 4.7713% | 1,161 |
| Net loans and leases to total assets | 73.8674% | 2,791 |
| Net loans and leases to deposits | 86.1072% | 3,612 |
| Net loans and leases to core deposits | 107.8415% | 3,706 |
| Total domestic deposits to total assets | 85.7853% | 2,832 |
| Equity capital to assets | 13.9689% | 1,374 |
| Core capital (leverage) ratio | 13.8161% | 1,227 |
| Tier 1 risk-based capital ratio | 17.1876% | 2,280 |
| Total risk-based capital ratio | 18.4298% | 2,223 |
| Memoranda: |
| Average total assets | $304,423,000 | 2,241 |
| Average earning assets | $274,381,000 | 2,269 |
| Average equity | $41,877,500 | 1,629 |
| Average total loans | $229,455,500 | 2,100 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1318% | 4,888 |
| Cost of funding earning assets | 2.2301% | 5,459 |
| Net interest margin | 3.9016% | 3,558 |
| Noninterest income to average assets | 0.8857% | 2,027 |
| Noninterest expense to average assets | 2.9746% | 4,169 |
| Loan and lease loss provision to assets | 0.9752% | 1,512 |
| Net operating income to assets | 0.4839% | 4,811 |
| Return on assets (ROA) | 0.4880% | 4,618 |
| Pretax return on assets | 0.5936% | 4,714 |
| Return on Equity (ROE) | 3.5329% | 5,025 |
| Retained earnings to average equity (ytd only) | 1.8080% | 4,110 |
| Net charge-offs to loans | 1.1099% | 1,090 |
| Credit loss provision to net charge-offs | 114.0008% | 4,735 |
| Earnings coverage of net charge-offs (x) | 1.8282% | 5,162 |
| Efficiency ratio | 65.5412% | 5,213 |
| Assets per employee ($millions) | 2.8649% | 6,400 |
| Cash dividends to net income (ytd only)* | 48.8231% | 3,184 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3761% | 3,327 |
| Loan loss allowance to noncurrent loans | 47.1629% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 3.5822% | 1,229 |
| Noncurrent loans to loans | 2.9178% | 1,844 |
| Net loans and leases to total assets | 74.8139% | 2,920 |
| Net loans and leases to deposits | 87.0264% | 3,943 |
| Net loans and leases to core deposits | 114.1319% | 3,330 |
| Total domestic deposits to total assets | 85.9669% | 2,419 |
| Equity capital to assets | 13.5467% | 1,584 |
| Core capital (leverage) ratio | 13.9303% | 1,270 |
| Tier 1 risk-based capital ratio | 16.5782% | 2,459 |
| Total risk-based capital ratio | 17.8283% | 2,391 |
| Memoranda: |
| Average total assets | $304,743,800 | 2,180 |
| Average earning assets | $285,317,600 | 2,136 |
| Average equity | $42,089,800 | 1,586 |
| Average total loans | $234,884,200 | 2,009 |
